Just some normal geometry homework i’m stuck on. anyone got the solution or the equations?

Which is the completely factored from of xy^3-x^3y

Imogene invested $8,000 in a bank account that pays 8 percent simple interest at the end of each year. her friend invested the same amount in stocks where the growth of the investment is represented as 2,000 times the square root of 2 less than the time lapsed in years. if y1 and y2 represent the amount earned in dollars and t is the time lapsed in years, which system of equations correctly represents the situation?

I’m still confused on how to work the percentages